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Hi there, just a quick one here....i took out a DMP in 2011 as i was drowning in debt from my divorce, the DMP was foolishly taken out with Baines and Ernst and they dealt with the 5 problem accounts i had.
Out of the 5 accounts, all have since been cleared, however defaults were raised on all 5 due to the DMP.
The problem i have is whilst the nat west credit card and sainsburys bank loans have the default set at the correct time (early 2011) the 2 nat west loans and nat west current account have the defaults set much later (aug 2015, when they were settled).
Surely this is incorrect, and this will ensure i have to have an awful CR for another 4 years, instead of a year.
Any thoughts greatly received.
Out of the 5 accounts, all have since been cleared, however defaults were raised on all 5 due to the DMP.
The problem i have is whilst the nat west credit card and sainsburys bank loans have the default set at the correct time (early 2011) the 2 nat west loans and nat west current account have the defaults set much later (aug 2015, when they were settled).
Surely this is incorrect, and this will ensure i have to have an awful CR for another 4 years, instead of a year.
Any thoughts greatly received.
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